Welcome to Monarch Surplus Recovery

At Monarch Surplus Recovery, we understand that navigating the complexities of surplus fund recovery can be overwhelming. That’s why we’re here to make the process seamless and stress-free for you. Our dedicated team specializes in reuniting former property owners with their rightful funds. With our expertise in Tax Deeds, Tax Liens and Mortgage Foreclosure you can trust us to handle your case with the utmost care and professionalism. Let us help you reclaim what’s yours.

Unlock Your Financial Recovery: Reclaim Your Surplus Funds

Surplus funds, also known as excess proceeds, are the difference between the amount owed on a property (either through taxes or a mortgage) and the price for which the property was sold at auction after a foreclosure. These funds belong to the original property owner, but many people are unaware that they exist—or how to claim them.

Surplus Funds in Tax Deed Foreclosures
When property taxes go unpaid, counties often sell the property at a tax deed auction to recover the outstanding tax balance. If the property is sold for more than the taxes owed, the surplus is the excess amount left after the county has satisfied the tax debt. For example, if you owe $10,000 in property taxes and your property is sold at auction for $50,000, the remaining $40,000 is considered surplus funds—money that is legally yours but often requires a claim process to recover.

Surplus Funds in Mortgage Foreclosures
Similarly, in a mortgage foreclosure, when a homeowner defaults on their mortgage, the lender will foreclose on the property and sell it at auction to recover the loan balance. If the property sells for more than what was owed on the mortgage, the remaining balance becomes surplus funds. For example, if your mortgage balance is $100,000 and your foreclosed home sells for $150,000, the $50,000 surplus is rightfully yours. However, accessing these funds requires a formal process that can be confusing and overwhelming.

How Monarch Surplus Recovery Helps You
Many former property owners aren’t aware of the funds they are entitled to, or they are unsure how to navigate the claim process. That’s where Monarch Surplus Recovery comes in. We specialize in identifying unclaimed surplus funds after tax deed and mortgage foreclosure sales. Our team works closely with counties, municipalities, and financial institutions to track down these funds and recover them on your behalf.

We handle all the paperwork, legal requirements, and communication, ensuring a smooth and hassle-free recovery process for our clients. We also work on contingency, meaning we cover all the cost associated with the claim and we don’t get paid unless you get paid. Whether you’ve lost property to a tax or mortgage foreclosure, we are here to help you reclaim the surplus that belongs to you.

Let Monarch Surplus Recovery take the burden off your shoulders

By the Numbers

Over $5 Billion Unclaimed in the USA!!!

Over $5B

Billion unclaimed across the U.S

60-70%

of Surplus Funds Go Unclaimed

over 37,679

properties with foreclosure filings

Across the U.S., it’s estimated that more than $5 billion in surplus funds from tax deed sales, tax lien redemptions, and mortgage foreclosure auctions remain unclaimed by their rightful owners.

Percentage of Unclaimed Surplus Funds

60-70% of Surplus Funds Go Unclaimed: Nationwide, between 60% and 70% of surplus funds generated from these sales are never claimed, remaining in government coffers instead of returning to former property owners.

Annual Average: Given the fluctuations, the total annual foreclosures in recent years (2022-2024) have ranged from approximately 300,000 to 400,000 filings. For example, there were over 37,679 properties with foreclosure filings in just one month of September 2023.

The Financial Impact

The surplus funds recovered often represent life-changing amounts, enabling former property owners to pay off debts, invest in new properties, or secure their financial future.

Recovery of Unclaimed Funds

Substantial Cash Inflow: When a claimant successfully recovers surplus funds, it often results in a direct cash payment. These amounts can range from a few thousand dollars to tens or even hundreds of thousands of dollars, depending on the property and the sale price relative to the debt owed. For many individuals, this could be the equivalent of a year’s salary or more, making a significant difference in their financial situation.

Debt Repayment and Financial Relief

Paying Off Debts: A successful claim can enable individuals to pay off existing debts, including credit cards, medical bills, or other loans. This reduces financial stress and can improve their credit score, making future borrowing easier and less expensive.

Avoiding Bankruptcy: For some, recovering surplus funds can prevent the need to file for bankruptcy, which has long-term negative effects on financial health and creditworthiness.

Investment and Savings Opportunities

Building or Rebuilding Savings: The recovered funds can be used to build or replenish savings, providing a financial cushion for emergencies and reducing future financial vulnerability.

Investment in New Assets: Claimants can invest the surplus funds in new ventures, such as purchasing a new home, starting a business, or investing in retirement accounts. This can significantly improve their long-term financial stability and growth.

Emotional and Psychological Benefits

Peace of Mind: The financial relief provided by a successful claim can reduce stress and anxiety, offering peace of mind to individuals and families who may have been struggling with the aftermath of a foreclosure.

Restoration of Dignity: Recovering funds that are rightfully theirs can also restore a sense of dignity and control over their financial situation, particularly after the distressing experience of a foreclosure.

Avoidance of Further Legal Complications

Prevention of Future Liabilities: Successfully claiming surplus funds ensures that they don’t remain with the government or become subject to other claims, such as those from creditors or liens, which could complicate the claimant’s financial situation further.